Contact Me
hero image
Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

About me


 As a mortgage professional with over 20 years of experience and a degree in Accounting from Penn State, I am available to provide knowledgeable information for all of your home financing needs. It would be a privilege to help you identify the financing solution that best meets your specific needs. 

I will provide exceptional service with a personal touch from first-time homebuyers to sophisticated jumbo borrowers or investors. I will guide you through the mortgage process step by step to ensure you understand the options available. I will follow through to your settlement and beyond. I take pride in being available for you long after your loan closing, and I'm always glad to help. If you are thinking about purchasing a home, investing in a multi-family property, or simply refinancing your current home, please give me a call. Thank you again for the opportunity to work with you. 

Leave a Zillow review! https://www.zillow.com/lender-profile/Rob%20Frey/

Read Blog

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

homebot-logo

home equity insights

For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.

X
X

Testimonials

Testimonials
4.94 out of 5.0 stars
5.0
4.0
4.98
5.0
Lou
Oct 03, 2025
Enola, PA
Verified

Smooth process
Samantha
Oct 03, 2025
Enola, PA
Verified

I had such an amazing experience! Rob was amazing to work with from beginning to end! I am so thankful to have been referred him and I will definitely recommend to anyone in the future
Robert
Sep 30, 2025
Lititz, PA
Verified

I had an outstanding experience working with Rob Frey throughout the mortgage process. From our first conversation, it was clear that he is not only deeply knowledgeable about the industry but also an exceptional communicator. Every step was explained clearly and thoroughly, making what could have been a stressful process feel smooth and manageable. As a realtor, having a reliable and knowledgeable mortgage loan officer on your team makes all the difference—and Rob Frey is exactly that. I’ve had the pleasure of working with them on multiple transactions, and each time they’ve demonstrated exceptional communication skills and a deep understanding of the mortgage industry. He keeps clients informed every step of the way, responds promptly to questions, and explains complex lending concepts in a way that’s easy to understand. His ability to anticipate potential issues and proactively address them helps ensure a smooth closing process, which is invaluable in today’s fast-paced market. I confidently refer my clients to rob Frey knowing they’ll be in great hands. His professionalism, transparency, and dedication to customer service consistently lead to successful outcomes and happy homeowners. If you're looking for someone who combines expertise with genuine care and clear communication, I highly recommend Rob Frey. He made the entire experience seamless and successful.
Gregory
Sep 30, 2025
Dallastown, PA
Verified

Rob was very knowledgeable and communicated the whole way through the process. It is always a pleasure to work with Rob and his team.
Robert Myers J
Sep 30, 2025
Verified

Great to deal with. Very thorough communcations, takes time to discuss any items when there are questions.
Robert
Sep 30, 2025
Dillsburg, PA
Verified

Rob was verry helpful with my clients explaining everything in details as they requested information. Very thorough communication

Video gallery

View More

Awards

Scotsman Guide Award Scotsman Guide Award

Causes & Memberships

member of Guild Giving
NMLS ID #147464
I am authorized to do business in the state of Pennsylvania.